System and method of facilitating cash transactions at an atm system without a atm card using mobile

ABSTRACT

A system, method, and computer-readable storage medium configured to facilitate cash transactions at an Automated Teller Machine when an ATM card is not present. The system allows a customer of a first bank to use an ATM of a different bank and still facilitate the ATM transaction without an ATM card present.

CROSS-REFERENCE TO RELATED PATENT APPLICATION

This application is a continuation of U.S. application Ser. No.14/558,887, filed on Dec. 3, 2014, which is herein incorporated byreference in its entirety.

BACKGROUND

Aspects of the disclosure relate in general to financial services.Aspects include an apparatus, system, method and computer-readablestorage medium to facilitate cash transactions at an Automated TellerMachine (ATM) when an ATM card is not present.

DESCRIPTION OF THE RELATED ART

An Automated Teller Machine or Automatic Teller Machine (ATM), alsoknown as an Automated Banking Machine (ABM), or cash machine, is anelectronic telecommunications device that enables the consumers of afinancial institution to perform financial transactions without the needfor a human cashier, clerk or bank teller.

On ATMs, the consumer is identified by inserting a plastic ATM card witha magnetic stripe or a plastic smart card with a chip that contains aunique card number and some security information such as an expirationdate, card verification value code (CVVC), or card verification code(CVC or CVC2). Authentication is provided by the consumer entering apersonal identification number (PIN) on the ATM key pad.

Using an ATM, consumers can access their bank deposit or credit accountsin order to make a variety of transactions such as cash withdrawals,check balances, or deposit cash. If the currency being withdrawn fromthe ATM is different from that in which the bank account is denominated,the money will be converted at an official exchange rate. Thus, ATMsoften provide good foreign exchange rates for travelers, and are widelyused for foreign exchange.

SUMMARY

Embodiments include a system, device, method and computer-readablemedium to facilitate cash transactions at an Automated Teller Machinewhen an ATM card is not present. Embodiments are open loop, allowing acustomer of a first bank to use an ATM of a different bank and stillfacilitate the ATM transaction without an ATM card present.

In a payment network method embodiment, payment network uses a mobilephone to facilitate cash transactions at an Automated Teller Machinewhen an ATM card is not present. A cash request is received by anacquirer from a network interface. The cash request contains a mobilenumber and an amount. A processor matches the mobile number with anentry in a database stored on a non-transitory computer-readable storagemedium. The entry indicates an issuer associated with the mobile number.The network interface transmits the cash request to the issuer. Aconsumer Primary Account Number and an Accountholder AuthenticationValue (AAV) value are received from the issuer by the network interface.The network interface transmits the consumer Primary Account Number andthe AAV value to the acquirer for further processing with the Issuer.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 depicts a system to facilitate cash transactions at an AutomatedTeller Machine when an ATM card is not present.

FIG. 2 is a block diagram of a payment network server configured tofacilitate cash transactions at an ATM when an ATM card is not present.

FIG. 3 is a block diagram of an issuer server configured to facilitatecash transactions at an ATM when an ATM card is not present.

FIG. 4 is a flow chart of a method of performing a cash deposit(“cash-in”) transaction at an ATM when an ATM card is not present.

FIG. 5 is a flow chart of a method of performing a cash withdrawal(“cash-out”) transaction at an ATM when an ATM card is not present.

DETAILED DESCRIPTION

One aspect of the disclosure includes the realization that in many areasof the world many people do not have an ATM card, but may have a mobilephone.

Another aspect of the disclosure includes the understanding that amobile phone may be used to verify the identity of a user at anAutomated Teller Machine.

As used herein, the terms “consumer,” “customer,” and “cardholder” aresynonymous, and designate users of an embodiment of the presentdisclosure. In such embodiments, consumers/customers are paymentcardholders.

Embodiments of the present disclosure include a system, method, andcomputer-readable storage medium configured to use a mobile phone tofacilitate cash transactions at an Automated Teller Machine when an ATMcard is not present. Embodiments are open loop, allowing a customer of afirst bank to use an ATM of a different bank and still facilitate theATM transaction without an ATM card present. In one embodiment, aconsumer is identified in an ATM transaction using a Mobile StationInternational Subscriber Directory Number (MSISDN), which is a numberuniquely identifying a subscription in a GSM or a UMTS mobile network.The MSISDN is generally the telephone number to the SIM card in amobile/cellular phone.

These and other aspects may be apparent in hindsight to one of ordinaryskill in the art.

FIG. 1 depicts a system 1000 to facilitate cash transactions at an ATMwhen an ATM card is not present, constructed and operative in accordancewith an embodiment of the present disclosure. System 1000 includesconsumers using a plurality of computing devices to authenticatethemselves at an Automated Teller Machine 1100 as part of a cashtransaction.

The ATM 1100 is affiliated with a financial institution. This financialinstitution is usually called the “acquiring bank,” “merchant bank” or“acquirer” 1200.

When a mobile phone is used at the ATM without an ATM card, the ATM 1100electronically requests authorization from the acquirer 1200 for thetransaction. In turn, acquirer 1200 communicates with the financialinstitution that issues the ATM card via a payment network.

Payment network 2000 is a network capable of processing paymentselectronically. An example payment network 2000 includes MasterCardInternational Incorporated of Purchase, New York. As described moreelaborately in FIG. 2, payment network 2000 includes a payment-purchaseengine 2130 and a payment network service manager 2120.

The financial institution that issues the ATM card is called the “issuerbank” or “issuer 3000.” As described more elaborately in FIG. 3, issuer3000 includes a cardholder account manager 3130 and an ATM servicemanager 3120.

Embodiments will now be disclosed with reference to a block diagram ofan exemplary payment network 2000 of FIG. 2, constructed and operativein accordance with an embodiment of the present disclosure. Paymentnetwork 2000 is configured to facilitate cash transactions at an ATMwhen an ATM card is not present.

Payment network 2000 may run a multi-tasking operating system (OS) andinclude at least one processor or central processing unit (CPU) 2100, anon-transitory computer-readable storage medium 2200, and a networkinterface 2300.

Processor 2100 may be any central processing unit, microprocessor,micro-controller, computational device or circuit known in the art.

It is well understood by those in the art, that the elements of FIG. 2may be implemented as hardware, firmware, or as software instructionsand data encoded on a non-transitory computer-readable storage medium2200.

As shown in FIG. 2, processor 2100 is functionally comprised of apayment network service manager 2120, a fraud scoring engine 2140, apayment-purchase engine 2130 and a data processor 2110.

Payment network service manager 2120 is configured to facilitatecommunication and authentication of a customer using a mobile phone atan ATM with an issuer 3000.

Fraud scoring engine 2140 is a structure that scores financialtransactions from acquirer 1200 for fraud. Fraud scoring engine 2140 mayuse decision tree logic, association rule learning, neural networks,inductive logic programming, support vector machines, clustering,Bayesian networks, reinforcement learning, representation learning,similarity and metric learning, spare dictionary learning, and ensemblemethods such as random forest, boosting, bagging, and rule ensembles, ora combination thereof.

Payment-purchase engine 2130 may be any structure that facilitatespayment from customer accounts at an issuer 3000, to an ATM 1100. Thecustomer accounts may include payment card accounts, checking accounts,savings accounts and the like.

Data processor 2110 interfaces with Random Access Memory (RAM) (notshown), storage medium 2200 and network interface 2300. The dataprocessor 2110 enables processor 2100 to locate data on, read data from,and write data to, these components.

These structures may be implemented as hardware, firmware, or softwareencoded on a computer readable medium, such as storage medium 2200.Further details of these components are described with their relation tomethod embodiments below.

Network interface 2300 may be any data port as is known in the art forinterfacing, communicating or transferring data across a computernetwork, examples of such networks include Transmission ControlProtocol/Internet Protocol (TCP/IP), Ethernet, Fiber Distributed DataInterface (FDDI), token bus, or token ring networks. Network interface2300 allows payment network 2000 to communicate with the customer mobiledevice, ATM 1100, acquirer 1200, or issuer 3000.

Computer-readable storage medium 2200 may be a conventional read/writememory such as a magnetic disk drive, floppy disk drive, optical drive,compact-disk read-only-memory (CD-ROM) drive, digital versatile disk(DVD) drive, high definition digital versatile disk (HD-DVD) drive,Blu-ray disc drive, magneto-optical drive, optical drive, flash memory,memory stick, transistor-based memory, magnetic tape or othercomputer-readable memory device as is known in the art for storing andretrieving data. Significantly, computer-readable storage medium 2200may be remotely located from processor 2100, and be connected toprocessor 2100 via a network such as a local area network (LAN), a widearea network (WAN), or the Internet.

In addition, as shown in FIG. 2, storage medium 2200 may also contain anissuer database 2210. Issuer database 2210 facilitates the look-up ofissuers 3000 as described below.

The function of these structures may best be understood with respect tothe flowcharts of FIGS. 4-5, as described below.

Embodiments will now be disclosed with reference to a block diagram ofan exemplary issuer server 3000 of FIG. 3, constructed and operative inaccordance with an embodiment of the present disclosure. Issuer server3000 is configured to facilitate cash transactions at an ATM when an ATMcard is not present.

Issuer server 3000 may run a multi-tasking operating system (OS) andinclude at least one processor or central processing unit (CPU) 3100, anon-transitory computer-readable storage medium 3200, and a networkinterface 3300.

Processor 3100 may be any central processing unit, microprocessor,micro-controller, computational device or circuit known in the art.

It is well understood by those in the art, that the elements of FIG. 3may be implemented as hardware, firmware, or as software instructionsand data encoded on a non-transitory computer-readable storage medium3200.

As shown in FIG. 3, processor 3100 is functionally comprised of an ATMservice manager 3120, a cardholder account manager 3130, and a dataprocessor 3110.

ATM service manager 3120 is configured to facilitate communication andauthentication of a customer using a mobile phone at an ATM with apayment network 2000. ATM service manager 3120 may further comprise:cardholder identification and authorization service 3122 and servicemanager application program interface 3124. Cardholder identificationand authorization service 3122 is the structure that analyzes andcommunicates with the cardholder mobile device to authenticate a mobiletelephone. Working in conjunction with network interface 3300, servicemanager application program interface 3124 is the structure that enablescommunication with payment network service manager 2120.

Cardholder account manager 3130 is the structure that manages cardholderaccounts, and may do so using a cardholder database 3210 and cardholdertelephone database 3220.

Data processor 3110 interfaces with Random Access Memory (not shown),storage medium 3200 and network interface 3300. The data processor 3110enables processor 3100 to locate data on, read data from, and write datato, these components.

These structures may be implemented as hardware, firmware, or softwareencoded on a computer readable medium, such as storage medium 3200.Further details of these components are described with their relation tomethod embodiments below.

Network interface 3300 may be any data port as is known in the art forinterfacing, communicating or transferring data across a computernetwork, examples of such networks include Transmission ControlProtocol/Internet Protocol (TCP/IP), Ethernet, Fiber Distributed DataInterface (FDDI), token bus, or token ring networks. Network interface3300 allows issuer server 3000 to communicate with the customer mobiledevice, ATM 1100, acquirer 1200, or payment network 2000.

Computer-readable storage medium 3200 may be a conventional read/writememory such as a magnetic disk drive, floppy disk drive, optical drive,compact-disk read-only-memory (CD-ROM) drive, digital versatile disk(DVD) drive, high definition digital versatile disk (HD-DVD) drive,Blu-ray disc drive, magneto-optical drive, optical drive, flash memory,memory stick, transistor-based memory, magnetic tape or othercomputer-readable memory device as is known in the art for storing andretrieving data. Significantly, computer-readable storage medium 3200may be remotely located from processor 3100, and be connected toprocessor 3100 via a network such as a local area network (LAN), a widearea network (WAN), or the Internet.

In addition, as shown in FIG. 3, storage medium 3200 may also contain acardholder database 3210 and a cardholder telephone database 3220.Cardholder database 3210 is the structure that stores cardholderinformation, including cardholder account numbers, account balances,transaction history, available credit, and address information.Cardholder account numbers may include Primary Account Numbers (PANs)for ATM, credit, debit, or charge accounts. Cardholder telephonedatabase is configured to store mobile telephone numbers associated withthe cardholder.

It is understood by those familiar with the art that one or more ofthese databases 3210-3220 may be combined in a myriad of combinations.The function of these structures may best be understood with respect tothe flowcharts of FIGS. 4-5, as described below.

FIG. 4 is a flow chart of a method 4000 of performing a cash deposit(“cash-in”) transaction at an ATM when an ATM card is not present,constructed and operative in accordance with an embodiment of thepresent disclosure. In such an embodiment, the customer pre-registerstheir mobile number with the issuer 3000, and this information has beenprovided to payment network 2000, and is stored in issuer database 2210.

In method 4000, a customer deposits cash at an ATM when an ATM card isnot present. At block 4010, instead of inserting an ATM card into theATM, during the authentication phase, each cardholder enters theirregistered mobile number (MSISDN) into the ATM keypad. The cardholderthen deposits the cash into the ATM, which is either counted by the ATMor the cardholder keys in the amount deposited. The mobile number, theamount of cash deposited, and an identifier for the ATM are transmittedto the acquirer 1200, block 4020.

The acquirer 1200 submits a cash-in request to the ATM service manager3120, via the payment network service manager 2120, block 4030. Thecash-in request includes the mobile number, the amount deposited, andATM identifier. The payment network service manager 2120 is able toroute ATM service manager 3120 by matching the registered telephonenumber with the issuer 3000.

ATM service manager 3120 matches the mobile number with a cardholder byperforming a database match with cardholder telephone database 3220. Theresulting database entry matches the mobile number with the cardholderand a mobile PIN (m-PIN). At block 4040, ATM service manager 3120requests the mobile PIN from the customer's mobile phone or ATM. The ATMService Manager 3120 is either directly capable of generating a smartShort Message Service (SMS) or via the service manager applicationprogram interface 3124. The service manager application programinterface 3124 includes a SMS generator engine; a smart SMS challenge issent to the consumer over the cellular network. The consumer receivesthis smart SMS which invokes the mobile app on the consumer's mobilephone. It is within this mobile application in which the consumer needsto enter the Mobile PIN. Once the consumer enters the mobile pin, themobile PIN is encrypted and sent back to the ATM Service Manager 3120over the cellular network for authentication.

If the m-PIN is incorrect, process 4000 stops.

If the correct m-PIN is received, the customer is authenticated, and theprocess continues.

ATM service manager 3120 transmits the consumer PAN and AccountholderAuthentication Value (AAV) value to the acquirer 1200 via the paymentnetwork service manager 2120, block 4050.

The acquirer 1200 is then able to formulate the cash deposit transactionto the issuer 3000 via payment network 2000, block 4060. In oneembodiment, the cash deposit transaction is formulated as an ISOmessage.

Issuer 3000 authorizes the transaction via payment network 2000, block4070.

Acquirer then sends the confirmation to ATM 1100, block 4080.

The ATM then confirms the deposit to the customer, block 4090, andprocess 4000 ends.

FIG. 5 is a flow chart of a method of performing a cash withdrawal(“cash-out”) transaction at an ATM when an ATM card is not present,constructed and operative in accordance with an embodiment of thepresent disclosure. In such an embodiment, the customer pre-registerstheir mobile number with the issuer 3000, and this information has beenprovided to payment network 2000, and is stored in issuer database 2210.

In method 5000, a customer is making a cash withdrawal at an ATM when anATM card is not present. At block 5010, instead of inserting an ATM cardinto the ATM, during the authentication phase, each cardholder enterstheir registered mobile number (MSISDN) into the ATM keypad. Thecardholder keys in the amount to be withdrawn. The mobile number, thewithdrawal amount, and an identifier for the ATM are transmitted to theacquirer 1200, block 5020.

The acquirer submits a cash-out request to the ATM service manager 3120,via the payment network service manager 2120, block 5030. The cashwithdrawal request includes the mobile number, the withdrawal amount,and ATM identifier.

At block 5040, ATM service manager 3120 requests a mobile PIN (m-PIN)from the customer's mobile phone or ATM. The ATM Service Manager 3120 iseither directly capable of generating a smart Short Message Service(SMS) or via the service manager application program interface 3124. Theservice manager application program interface 3124 includes a SMSgenerator engine; a smart SMS challenge is sent to the consumer over thecellular network. The consumer receives this smart SMS which invokes themobile app on the consumer's mobile phone. It is within this mobileapplication in which the consumer needs to enter the Mobile PIN. Oncethe consumer enters the mobile pin, the mobile PIN is encrypted and sentback to the ATM Service Manager 3120 over the cellular network forauthentication.

If the m-PIN is incorrect, process 5000 stops.

If the correct m-PIN is received, the customer is authenticated, and theprocess continues.

ATM service manager 3120 transmits the consumer PAN and AAV value to theacquirer via the payment network service manager 2120, block 5050.

The acquirer 1200 is then able to formulate a cash withdrawaltransaction to the issuer 3000 via payment network 2000, block 5060.

Issuer 3000 authorizes the transaction via payment network 2000, block5070.

Acquirer then sends the confirmation to ATM 1100, block 5080.

The ATM then dispenses the withdrawal amount in cash to the customer,block 5090, and process 5000 ends.

The previous description of the embodiments is provided to enable anyperson skilled in the art to practice the disclosure. The genericprinciples defined herein may be applied to other embodiments. Thus, thepresent disclosure is not intended to be limited to the embodimentsshown herein, but is to be accorded the widest scope consistent with theprinciples and features disclosed herein.

What is claimed is:
 1. A method comprising: receiving, by a mobiledevice associated with a mobile number, a Short Message Service (SMS)message from a computing device of an issuer network, wherein thecomputing device of the issuer network sends the SMS message in responseto receiving an account authorization request associated with atransaction at an Automated Teller Machine (ATM) in communication withan acquirer network; causing, by the mobile device, in response toreceiving the SMS message, a user interface element to be displayed,wherein the user interface element is configured to allow a user toenter a mobile personal identification number (m-PIN); receiving, at theuser interface element, the m-PIN, wherein the m-PIN is associated witha Primary Account Number (PAN) and the mobile number; and sending, bythe mobile device to the computing device of the issuer network, inresponse to receiving the m-PIN via the user interface element, anencrypted message comprising the m-PIN, wherein the computing device ofthe issuer network, in response to receiving the encrypted messagecomprising the m-PIN, sends the PAN and an indication that the user isauthenticated to the computing device of the acquirer network.
 2. Themethod of claim 1, wherein the transaction is a withdrawal requestcomprising a withdrawal amount.
 3. The method of claim 1, wherein thetransaction is a deposit request comprising a deposit amount.
 4. Themethod of claim 1, further comprising: receiving, by the ATM, the mobilenumber and an amount associated with the transaction; sending, by theATM to the computing device of the acquirer network, in response toreceiving the mobile number and the amount, an account authorizationrequest comprising the mobile number and the amount; and receiving, bythe ATM from the computing device of the acquirer network, the PAN andthe indication that the user is authenticated.
 5. The method of claim 4,further comprising: sending, by the ATM to the computing device of theacquirer network, a cash transaction request comprising the PAN and theamount; receiving, by the ATM from the computing device of the acquirernetwork, a confirmation message indicative of an authorization of thecash transaction request; and causing, by the ATM based on theconfirmation message, the amount to be dispensed.
 6. The method of claim1, further comprising: receiving, by the computing device of the issuernetwork, the account authorization request, a number associated with themobile device, and the amount, wherein the number is entered at the ATM;determining, by the computing device of the issuer network, based on thenumber and a customer database, a personal identification number (PIN)and the PAN, wherein the PIN and the PAN are stored in the customerdatabase; transmitting, by the computing device of the issuer network tothe computing device of the acquirer network, a message configured tocause the ATM, upon receipt of the message, to prompt the user to enterthe PIN at the ATM; and receiving, by the computing device of the issuernetwork, from the computing device of the acquirer network, theencrypted message generated by the ATM, wherein the encrypted messagecomprises the PIN.
 7. The method of claim 6, further comprising:transmitting, by the computing device of the issuer network to thecomputing device of the acquirer network, the indication that the useris authenticated and the PAN; receiving, by the computing device of theissuer network, from the computing device of the acquirer network, acash transaction request comprising the PAN and the amount; andtransmitting, by the computing device of the issuer network to thecomputing device of the acquirer network, a confirmation messageindicative of an authorization of the cash transaction request, whereinthe computing device of the acquirer network transmits the confirmationmessage, upon receipt, to the ATM.
 8. A method comprising: receiving, byan Automated Teller Machine (ATM) in communication with an acquirernetwork, a mobile number and an amount, wherein the mobile number andthe amount are entered by a user at the ATM; sending, by the ATM to acomputing device of the acquirer network, in response to receiving themobile number and the amount, an account authorization requestcomprising the mobile number and the amount; receiving, by the ATM fromthe computing device of the acquirer network, a Primary Account Number(PAN) associated with the mobile number and an indication that the useris authenticated, wherein the computing device of the acquirer networksends the PAN and the indication to the ATM in response to receiving,via a mobile device associated with the mobile number, an encryptedmessage comprising a mobile personal identification number (m-PIN);sending, by the ATM to the computing device of the acquirer network, acash transaction request comprising the PAN and the amount; receiving,by the ATM from the computing device of the acquirer network, aconfirmation message indicative of an authorization of the cashtransaction request; and causing, by the ATM based on the confirmationmessage, the amount to be dispensed.
 9. The method of claim 8, whereinthe cash transaction request is a withdrawal request comprising awithdrawal amount.
 10. The method of claim 8, wherein the cashtransaction request is a deposit request comprising a deposit amount:11. The method of claim 8, further comprising: receiving, by the mobiledevice, a Short Message Service (SMS) message from the computing deviceof an issuer network, wherein the computing device of the issuer networksends the SMS message in response to receiving the account authorizationrequest; and causing, by the mobile device, in response to receiving theSMS message, a user interface element to be displayed, wherein the userinterface element is configured to allow the user to enter the m-PIN.12. The method of claim 11, further comprising: receiving, at the userinterface element, the m-PIN, wherein the m-PIN is associated with thePAN and the mobile number; and sending, by the mobile device to thecomputing device of the issuer network, in response to receiving them-PIN via the user interface element, the encrypted message comprisingthe m-PIN, wherein the computing device of the issuer network, inresponse to receiving the encrypted message comprising the m-PIN, sendsthe PAN and the indication that the user is authenticated to thecomputing device of the acquirer network.
 13. The method of claim 8,further comprising: receiving, by the computing device of the issuernetwork, the account authorization request, a number associated with themobile device, and the amount, wherein the number is entered at the ATM;determining, by the computing device of the issuer network, based on thenumber and a customer database, a personal identification number (PIN)and the PAN, wherein the PIN and the PAN are stored in the customerdatabase; transmitting, by the computing device of the issuer network tothe computing device of the acquirer network, a message configured tocause the ATM, upon receipt of the message, to prompt the user to enterthe PIN at the ATM; and receiving, by the computing device of the issuernetwork, from the computing device of the acquirer network, theencrypted message generated by the ATM, wherein the encrypted messagecomprises the PIN.
 14. The method of claim 13, further comprising:transmitting, by the computing device of the issuer network to thecomputing device of the acquirer network, the indication that the useris authenticated and the PAN; receiving, by the computing device of theissuer network, from the computing device of the acquirer network, thecash transaction request; and transmitting, by the computing device ofthe issuer network to the computing device of the acquirer network, theconfirmation message.
 15. A method comprising: receiving, by a computingdevice of an issuer network, from a computing device of an acquirernetwork, an account authorization request comprising a number associatedwith a mobile device and an amount, wherein the number and the amountare entered at an Automated Teller Machine (ATM) in communication withthe acquirer network by a user of the ATM; determining, by the computingdevice of the issuer network, based on the number and a customerdatabase, a personal identification number (PIN) and a Primary AccountNumber (PAN) associated with the mobile device, wherein the PIN and thePAN are stored in the customer database; transmitting, by the computingdevice of the issuer network to the computing device of the acquirernetwork, a message configured to cause the ATM, upon receipt of themessage, to prompt the user to enter the PIN at the ATM; receiving, bythe computing device of the issuer network, from the computing device ofthe acquirer network, an encrypted message generated by the ATM, whereinthe encrypted message comprises the PIN; transmitting, by the computingdevice of the issuer network to the computing device of the acquirernetwork, based on the encrypted message comprising the PIN, anindication that the user is authenticated and the PAN; receiving, by thecomputing device of the issuer network, from the computing device of theacquirer network, a cash transaction request comprising the PAN and theamount; and transmitting, by the computing device of the issuer networkto the computing device of the acquirer network, a confirmation messageindicative of an authorization of the cash transaction request, whereinthe computing device of the acquirer network transmits the confirmationmessage, upon receipt, to the ATM.
 16. The method of claim 15, whereinthe transaction is one of a withdrawal request comprising a withdrawalamount or a deposit request comprising a deposit amount.
 17. The methodof claim 15, further comprising: receiving, by the mobile device, aShort Message Service (SMS) message from the computing device of anissuer network, wherein the computing device of the issuer network sendsthe SMS message in response to receiving the account authorizationrequest; and causing, by the mobile device, in response to receiving theSMS message, a user interface element to be displayed, wherein the userinterface element is configured to allow the user to enter a mobilepersonal identification number (m-PIN).
 18. The method of claim 17,further comprising: receiving, at the user interface element, the m-PIN,wherein the m-PIN is associated with the PAN and the mobile number; andsending, by the mobile device to the computing device of the issuernetwork, in response to receiving the m-PIN via the user interfaceelement, the encrypted message, wherein the encrypted message comprisesthe m-PIN.
 19. The method of claim 15, further comprising: receiving, bythe ATM, a mobile number associated with the mobile device and theamount; sending, by the ATM to the computing device of the acquirernetwork, in response to receiving the mobile number and the amount, theaccount authorization request, wherein the account authorization requestcomprises the mobile number and the amount; and receiving, by the ATMfrom the computing device of the acquirer network, the PAN and theindication that the user is authenticated.
 20. The method of claim 19,further comprising: sending, by the ATM to the computing device of theacquirer network, the cash transaction; receiving, by the ATM from thecomputing device of the acquirer network, the confirmation message; andcausing, by the ATM based on the confirmation message, the amount to bedispensed.